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Who are ClearScore
Who are ClearScore and what do they do? A friend suggested I check my credit score on ClearScore, they use figures produced by the big three credit score companies. But I’ve never heard of ClearScore before. Who are they? Kevin
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Can I improve my credit rating while I have defaults?
Hi, Sorry if this is the wrong place to post this, I am new here. Essentially - I built up a few defaults over the past 2 years - I had a spending problem and some mental health issues, paired with leaving my job unexpectedly at one point and it all kind of spiralled out of control. I did the classic head in the sand thing…
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Should I sell my car?
Hi, This is my first post on here. I'm currently paying for my car using a money transfer card and have about 18 months left of the 0% period left. Car is worth £8k and the card balance is £5.5k. I'm a single dad of 2 and as part of divorce will soon have to remortgage the family home or move house. Would it be beneficial…
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PCT(UK) Ltd
This popped up on my "soft searches" last October:- PCT(UK) Ltd - Capita Resourcing L It's for a Money Laundering ID check. The really odd thing is PCT(UK) LTD, Company number 08418009, was struck off at companies house in April 2016. Equifax have referred me to Capita. Capita don't seem sure who PCT(UK) Ltd are and have…
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Account declined - Excellent credit score
Hi all. So a few months ago, my account and my wife's account was closed by Monzo Bank citing no reason. I contacted them and was told that they cannot provide a reason. I sent an email to them saying that their system has probably made an automatic mistake, and on investigation they found that to be true. Consequently…
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Notice of correction
Just noticed on my Equifax report that notice of correction has gone from green to yellow and when I clicked to see what it was I got this message NOTICE OF DISPUTE - THE INDIVIDUAL CONCERNED HAS DISPUTED THE ACCURACY OF THE INFORMATION REGISTERED AT THIS ADDRESS AND WE HAVE NOW CONTACTED THE SUBSCRIBER CONCERNED. CARE…
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Closed accounts on CRA
Evening all Can you help please? Back in 2010 I got in to trouble with a couple of Natwest accounts following the closure of my business and missed at least 6 payments with them which impacted my credit score. Back in 2011 I went to court and received a CCJ and agreed to pay back so much a month. From 2011 to 2017 I never…
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And people say the credit score does not matter....
And you lot say scores do not matter.... This is the conversation i just had with my Bank online. Mark 14:18:28 You are seeing this message online as you have a basic account which does not offer any borrowing facilities such as a loan or overdraft. When you applied for your account your credit score would have been to low…
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Second credit card
Hi, I am soon coming to the end of my bankruptcy 6 year term, & am trying to build up a credit score using a high interest credit card over the last year, & I’m looking to obtaining a second credit card to help with the score. My aim is to eventually get a mortgage with my girlfriend. Do you have any ideas at all, & types…
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Late Payment, Call Credit Yes V Equifax No
Hey all, looking for some advice. Is it normal to find one agency reporting a late payment on said month and the other not. Or in my case one states late October, one states late November. So the data isn't correct in one of the cases. Or have I missed something, other than making the payment on time. Thanks in advance
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Card cancelled within cooling-off period
Hi, I applied and was accepted for a 0% card in December, but as the credit limit was too low for purchase I was going to make I decided to cancel the card as soon as I received it. My thinking was that if never used and cancelled within the 14 day cooling-off period the card wouldn't show up on my credit report. The…
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switching bank account every year good or bad
Hi to everyone , I wonder if i keep switching bank currect accounts every year or couple of years ..will it have any effect on my credi history ? .please bear in mind i always pay my credit card billls on time and in full without default . But keep switching currect account every year or couple of years will show me as bad…
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Have I made a huge mistake by paying off debt...?
Hey, I know that there aren't any hard and fast rules when it comes to credit scores - however I think I may have messed up mine by having the best of intentions. I've recently paid off an interest free retail loan and two credit cards (total value of all around £6000) - and subsequently closed the accounts. I thought that…
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Unexpected ccj
Hi to all can I ask advice please? So I checked my credit file today and while flicking through found a ccj added a couple days ago ,now this is first of knowing about this . I done some checking and managed to find out ccj in old address and as Sunday couldn’t phone to get more info but will do Monday but in meantime is…
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Credit score has decreased by over 100 points. Advice please.
Hi. Please be kind, I'm new to this lol. I usually have an excellent credit score on experian. Checked it randomly today as we're looking at buying a house this year and it's gone down to fair 😔. The factors it is stating are : You've closed all of your credit accounts with high credit limits You're using more credit…
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Turned down 3 network sim deal
I applied yesterday online for a 3 network HomeFi deal for £22 a month over 24 months. It was refused, so I spoke on their live chat and was given an email address to contact. Is there any reason this would of been turned down? I haven’t been declined for anything for many years, let alone a small monthly sim contract Is…
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Can credit card limits be consolidated?
I have amassed many credit cards over the years from different providers - usually because one card had an offer - such as Avios - which was then reduced or withdrawn and better card options existed. Then I have a card I use for non-GBP transactions and cash withdrawals overseas. I never have any problem getting credit and…
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Need urgent help PLEASE
Basically long story short, thanks to the old owners of my property, I discovered someone has been using my name/address for credit! Long story short - I moved into my house 12 months ago. The previous tenant text me this week to ask if any post had come for her, as her partner's identity had been used for credit…
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£433 old debt from bank loan 8+ years still showing as default
I have a default notice on my credit report due to 3 missed payments from a bank loan taken out in Jul 2008. While the bank loan was paid off in time, there was a period where i was out of work in 2010 and missed 3 payments. These missed payments weren't added to the balance of the loan, but were logged as missed…
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Ccj??
Hi everyone, I’ve just done a credit check and found I have a CCJ on my file, something which I never knew about and is linked to an address that I lived in nearly three years ago. I’ve got no idea what it’s for, or how I go about clearing it, does anybody know what I need to do, speak to, or even check to resolve it?…
